Category: Consumer Proposals

• Bankruptcies
• Consumer Proposals

Licensed Insolvency Trustees are often asked “what is the difference between a Proposal and a Bankruptcy?”.  The answer is a little complicated because it depends a lot on your individual circumstances. If you have no house and low income and have never been bankrupt before then a Bankruptcy may be a better solution, however, if […]

• Bankruptcies
• Consumer Proposals

Quebec introduced legislation to regulate the banks and the impact on insolvency statistics was startling.

• Bankruptcies
• Consumer Proposals

Free bankruptcies and proposals? Well not entirely, but in a sense insolvency proceedings are frequently paid for by deductions from money that would otherwise be available to Creditors. In effect then, it is they who pay for consumer proceedings.

• Consumer Proposals

Consumer proposals help Ontario homeowners, perhaps far more than may be expected. Reduce your debts and stay in your home.

• Consumer Proposals

The Bankruptcy & Insolvency Act does provide a number of consumer protections for people filing consumer proposals.

• Bankruptcies
• Consumer Proposals
• Something to Think About

After three years of highly impactful reckless lending, insolvency rates are starting to return to normal filing levels. We anticipate a slight uptick in the new year.

• Bankruptcies
• Consumer Proposals
• Counselling
• Something to Think About

Use this blog article as a guidline to compare debt solutions.

• Bankruptcies
• Consumer Proposals
• Something to Think About

Canada’s first choice for debt solutions, a proposal, can help you save your home while managing debt.

• Consumer Proposals
• Division One Proposals

CEBA Update, time is running out for repayment and manys small businesses are likely to have serious financial problems – we can help!

• Consumer Proposals

As you are preparing for your intial consultation with us, please keep in mind these three important questions, and bring along as much information as you can.

• Consumer Proposals

Proposals can be renegotiated after they have been filed and approved by creditors. If your situation has deteriorated or you have a significant, financial, material change talk to your LIT about convening a meeting of creditors to review the possibility of amending your original proposal.

• Consumer Proposals

Welcome to the Debt Pool – welcome to Canada. Canadian banks have their “newcomer programmes” where they provide free banking and $5,000 credit cards, without credit checks or income verification to new imigrants. Once they have you trapped in the debt pool they expect you to tread water for ever.

• Consumer Proposals

Get to know the differences between a Debt Management Programme and Consumer Proposal and which is best for you and your family.

• Consumer Proposals

How to file a proposal – it’s probably much easier than you might expect. The process always starts with a free initial consultation.

• Consumer Proposals

We can help you experience the power of a proposal to your creditors we help you every step of the way from the initial negotiations through to the final payment.

• Consumer Proposals

Podemos ayudarlo a experimentar el poder de una propuesta a sus acreedores, lo ayudamos en cada paso del camino desde las negociaciones iniciales hasta el pago final.

• Bankruptcies
• Consumer Proposals

Rates are still increasing and so are prices, and taxes. Many folks are in a financial survival mode right now. We have a few strategies to help you keep your house.

• Consumer Proposals

Let us help you formulate a Proposal offering to your creditor – to reduce your payments to one affordable amount. 519-646-2222

• Consumer Proposals

Call us, we can help you to budget better, we can help you to find a solution to problem debts, we can get onto an affordable monthly payment plan that will help you get out of debt.  Bankruptcy is not your only option, a Proposal to creditors is Canada’s #1 debt solution. You can call […]

• Consumer Proposals

Reduce your debt to pennies on the dollar of the amount(s) you owe with a consumer proposal.